3805 E 20th St, Sterling, IL 61081 Property Records

Whiteside County property record for 3805 E 20th St, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Dec 2010)
Tax Bill	$5,281 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Feb 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1114478004`

Property Details

APN / Parcel Number

Primary APN	`1114478004`
Alternative APN	`61959`

Exterior

Lot Area	30,056 sqft (0.69 acres)
Lot Dimensions	206 ft deep x 145 ft wide

Location & Zoning

Account Number	61959
Street Address	3805 E 20TH ST
City	STERLING
State	IL
Zip	61081-4296
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CANDLELIGHT MANOR #3 PHASE III LOT 46 744446X
Legal Subdivision	CANDLELIGHT MANOR #3
Legal Phase	3
Legal Lot Number	46
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	4
Census Block	4025
Census Tract	900

Owner

Source: Whiteside County records, as of June 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3805 E 20TH ST, STERLING, IL 61081-4296
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Feb 7, 2024	Deed of Trust, Mortgage · Conventional Mortgage SAUK VALLEY BANK & TRUST COMPANY
Mar 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SAUK VALLEY BANK
Feb 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SAUK VALLEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2010 · Amount on Record
Deed Sale	Dec 13, 2010 · Amount on Record
Deed Document Number	20109649
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Recording Date	Jun 12, 2026
Property Address	3805 E 20TH ST, STERLING, IL 61081-4296
Document Number	0000002953
Instrument Date	May 21, 2026
Instrument	20262953
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3805 E 20TH ST, STERLING, IL 61081-4296

Mortgage

Document Number	0000002953,
Date	Jun 12, 2026
Instrument	20262953

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	3805 E 20TH ST, STERLING, IL 61081-4296
Transaction Type	Mortgage
Record Updated	Feb 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000555
Date	Feb 7, 2024
Instrument	2024-00555

Lender

Name	SAUK VALLEY BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	3805 E 20TH ST, STERLING, IL 61081-4296
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202101541
Date	Mar 4, 2021
Instrument	2021-01541

Lender

Name	SAUK VALLEY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Apr 1, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	3805 E 20TH ST, STERLING, IL 61081-4296
Transaction Type	Mortgage
Record Updated	Feb 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202100782
Date	Feb 3, 2021
Instrument	2021-00782

Lender

Name	SAUK VALLEY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2041

Tax Assessment & Valuation

Source: Whiteside County assessment roll, as of May 22, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Whiteside County
County Subdivision	Sterling Township
Unified School District	Sterling Community Unit District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,281.00	$75,087 Land $9,629 Building $65,458
2024			$225,261 Land $28,887 Building $196,374

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 26, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1979)
Most Recent Claim	Mar 1979 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Rise Broadband, Verizon.

Nearby Properties on E 20th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures